Summary
HOMELINKS is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €29,348 and a net result of €4,230. The figures fluctuate too strongly year-on-year for a reliable trend projection. Its solvency ranks better than 12% of 2,991 sector peers (NACE 66, financial year 2025). The company has been active since 2017 and the Belgian Official Gazette contains no insolvency or warning signals.
Financials · financial year 2025, micro format
In the rankings
#8 oldest company in Soumagne, Finance and insurance sector#10 company by total assets in Soumagne, Finance and insurance sector
Equity
€29,348▲ 16.8%
2024 · €25,118
Net result
€4,230▼ 95.4%
2024 · €91,890
Total assets
€719,951▲ 4.8%
2024 · €686,866
Solvency
4.1%▲ 0.4pp
2024 · 3.7%
Trend over the years
2021 to 2025, 5 financial years 2018 to 2025, 8 financial years
The operating result falls in 2025; 2025 is 76% below 2024.
What the company sold each financial year and what was left of it. A loss stands below the zero line.
Operating result€28,988
2025
Net result€4,230
2025
What the company owns (total assets), how much of it is its own (equity) and how much it owes.
Total assets€719,951
2025
Equity€29,348
2025
Debt€690,603
2025
Short-term assets minus short-term debts. Above zero the company can pay its bills in the short term.
Working capital€14,419
2025
How much of each euro of turnover is left from operations (EBIT margin) and what the assets earn (return on assets).
Return on assets (ROA)0.6%
2025
The share of the company financed with its own means. The higher it is, the better it absorbs a shock.
Solvency4.1%
2025
Short-term assets per euro of short-term debt. Above 1 the short-term debts are covered.
Current ratio1.05
2025
Average staff in full-time equivalents (FTE).
Staff (FTE)7
2025
Use the arrow keys on the chart for the figures per year.
Sector: the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA), Staff (FTE).
Every figure with its change against the financial year before
favourable
unfavourable
Line20182019202020212022202320242025
Operating result€56,625-€98,096▲ 73.2%€23,662▼ 75.9%-€48,161€17,449-€75,086€121,191€28,988▼ 76.1%
Net result€29,825-€67,600▲ 127%€7,071within the sector's middle half▼ 89.5%-€70,925below the sector's middle half-€5,053below the sector's middle half▲ 92.9%-€101,490below the sector's middle half▼ 1,909%€91,890above the sector's middle half€4,230below the sector's middle half▼ 95.4%
Equity€36,025-€103,625▲ 188%€110,696within the sector's middle half▲ 6.8%€39,771within the sector's middle half▼ 64.1%€34,718below the sector's middle half▼ 12.7%-€66,772below the sector's middle half€25,118below the sector's middle half€29,348below the sector's middle half▲ 16.8%
Total assets€200,391-€267,564▲ 33.5%€671,836above the sector's middle half▲ 151%€752,778above the sector's middle half▲ 12.0%€798,675above the sector's middle half▲ 6.1%€615,065within the sector's middle half▼ 23.0%€686,866within the sector's middle half▲ 11.7%€719,951within the sector's middle half▲ 4.8%
Debt€164,366-€163,940▼ 0.3%€561,140▲ 242%€713,006▲ 27.1%€763,957▲ 7.1%€681,837▼ 10.7%€661,748▼ 2.9%€690,603▲ 4.4%
Working capital€29,127-€98,051▲ 237%€99,305within the sector's middle half▲ 1.3%€58,297within the sector's middle half▼ 41.3%€33,499within the sector's middle half▼ 42.5%-€38,186below the sector's middle half€69,077within the sector's middle half€14,419within the sector's middle half▼ 79.1%
Solvency18.0%-38.7%▲ 20.8pp16.5%below the sector's middle half▼ 22.3pp5.3%below the sector's middle half▼ 11.2pp4.3%below the sector's middle half▼ 0.9pp-10.9%below the sector's middle half▼ 15.2pp3.7%below the sector's middle half▲ 14.5pp4.1%below the sector's middle half▲ 0.4pp
Current ratio1.33-1.99▲ 0.661.62within the sector's middle half▼ 0.371.33within the sector's middle half▼ 0.291.14within the sector's middle half▼ 0.190.83below the sector's middle half▼ 0.311.31within the sector's middle half▲ 0.481.05within the sector's middle half▼ 0.26
Return on assets (ROA)14.9%-25.3%▲ 10.4pp1.1%below the sector's middle half▼ 24.2pp-9.4%below the sector's middle half▼ 10.5pp-0.6%below the sector's middle half▲ 8.8pp-16.5%below the sector's middle half▼ 15.9pp13.4%within the sector's middle half▲ 29.9pp0.6%below the sector's middle half▼ 12.8pp
Staff (FTE)0.6-1.2▲ 100%2.8above the sector's middle half▲ 133%4.8▲ 71.4%6.6▲ 37.5%5.4▼ 18.2%6▲ 11.1%7▲ 16.7%
above
within
below
the middle half of NACE 66, Activities auxiliary to financial services and insurance activities: a quarter of companies sit below it, a quarter above. Each year compared with accounts in the same format, and only where there are at least 30.
Turnover and EBIT margin not published: the micro format does not require them.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €719,951
Fixed assets
€440,056 ▲ 11.2%
Current assets
€279,895 ▼ 3.8%
Equity and liabilities €719,951
Equity
€29,348 ▲ 16.8%
Debt
€690,603 ▲ 4.4%
Debt's share of the balance-sheet total falls from 96.3% to 95.9%. Equity and debt are higher.
Key figures and ratios
ROE
14.4%▼
2024 · 365.8%
Debt ≤ 1 year
€265,476▲
2024 · €221,946
Debt > 1 year
€389,580▼
2024 · €414,251
Income taxes
€11,379▼
2024 · €12,150
Staff costs
€314,016▲
2024 · €219,911
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Annual accounts
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Non-recurring operating income76A | - | - | - | - | - | €40,283 | - | €3,759 | - |
| Remuneration, social security and pensions62 | - | - | - | €155,024 | €212,715 | €218,705 | €219,911 | €314,016 | ▲ 42.8% |
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €31,007 | €4,465 | €60,670 | €31,137 | €38,936 | €38,511 | €37,531 | €46,301 | ▲ 23.4% |
| Other operating charges640/8 | - | - | - | €9,714 | €6,647 | €6,103 | €7,913 | €5,292 | ▼ 33.1% |
| Non-recurring operating charges66A | - | - | - | €76 | - | €5,703 | €2,215 | €2,446 | ▲ 10.4% |
| Gross operating margin9900 | €110,872 | €151,516 | €208,650 | €147,791 | €275,747 | €193,936 | €388,761 | €397,043 | ▲ 2.1% |
| Operating profit (loss)9901 | €56,625 | €98,096 | €23,662 | -€48,161 | €17,449 | -€75,086 | €121,191 | €28,988 | ▼ 76.1% |
| Financial income75/76B | - | - | - | €7 | €14 | €12 | €160 | €827 | ▲ 417% |
| Recurring financial income75 | €0 | €719 | €14 | €7 | €14 | €12 | €160 | €827 | ▲ 417% |
| Financial charges65/66B | - | - | - | €21,724 | €21,657 | €25,620 | €17,311 | €14,206 | ▼ 17.9% |
| Recurring financial charges65 | €5,600 | €3,449 | €10,887 | €21,724 | €21,657 | €25,620 | €17,311 | €14,206 | ▼ 17.9% |
| Profit (loss) for the period before taxes9903 | €51,025 | €95,366 | €12,789 | -€69,877 | -€4,194 | -€100,694 | €104,040 | €15,609 | ▼ 85.0% |
| Income taxes67/77 | €21,200 | €27,766 | €5,718 | €1,047 | €859 | €796 | €12,150 | €11,379 | ▼ 6.3% |
| Profit (loss) for the period9904 | €29,825 | €67,600 | €7,071 | -€70,925 | -€5,053 | -€101,490 | €91,890 | €4,230 | ▼ 95.4% |
| Profit (loss) for the period to be appropriated9905 | €29,825 | €67,600 | €7,071 | -€70,925 | -€5,053 | -€101,490 | €91,890 | €4,230 | ▼ 95.4% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Assets | |||||||||
| Total assets20/58 | €200,391 | €267,564 | €671,836 | €752,778 | €798,675 | €615,065 | €686,866 | €719,951 | ▲ 4.8% |
| Fixed assets21/28 | €82,555 | €70,306 | €412,803 | €517,695 | €519,277 | €427,894 | €395,843 | €440,056 | ▲ 11.2% |
| Intangible fixed assets21 | €493 | €164 | - | - | - | - | - | - | - |
| Tangible fixed assets22/27 | €81,807 | €69,886 | €412,548 | €517,440 | €519,022 | €427,639 | €395,588 | €439,801 | ▲ 11.2% |
| Land and buildings22 | - | - | - | €510,123 | €506,753 | €416,086 | €388,497 | €382,861 | ▼ 1.5% |
| Plant, machinery and equipment23 | - | - | - | - | €4,503 | €4,038 | €3,572 | €3,107 | ▼ 13.0% |
| Furniture and vehicles24 | - | - | - | €7,317 | €7,766 | €7,515 | €3,519 | €53,833 | ▲ 1,430% |
| Financial fixed assets28 | €255 | €255 | €255 | €255 | €255 | €255 | €255 | €255 | = |
| Current assets29/58 | €117,836 | €197,259 | €259,033 | €235,082 | €279,398 | €187,171 | €291,023 | €279,895 | ▼ 3.8% |
| Amounts receivable within one year40/41 | €109,261 | €188,927 | €233,203 | €189,330 | €272,508 | €175,222 | €241,240 | €270,816 | ▲ 12.3% |
| Trade receivables40 | - | - | - | €10,607 | €22,448 | €24,167 | €7,116 | €7,465 | ▲ 4.9% |
| Other amounts receivable41 | - | - | - | €178,723 | €250,060 | €151,055 | €234,124 | €263,351 | ▲ 12.5% |
| Cash at bank and in hand54/58 | €2,714 | €2,788 | €17,634 | €35,575 | €3,870 | €1,633 | €44,521 | €1,537 | ▼ 96.5% |
| Deferred charges and accrued income490/1 | - | - | - | €10,178 | €3,020 | €10,316 | €5,262 | €7,542 | ▲ 43.3% |
| Equity and liabilities | |||||||||
| Total equity and liabilities10/49 | €200,391 | €267,564 | €671,836 | €752,778 | €798,675 | €615,065 | €686,866 | €719,951 | ▲ 4.8% |
| Equity10/15 | €36,025 | €103,625 | €110,696 | €39,771 | €34,718 | -€66,772 | €25,118 | €29,348 | ▲ 16.8% |
| Contributions10/11 | €6,200 | €6,200 | - | €6,200 | €6,200 | €6,200 | €6,200 | €6,200 | = |
| Reserves13 | €1,860 | €1,860 | €1,860 | €1,860 | €28,518 | €1,860 | €18,918 | €23,148 | ▲ 22.4% |
| Non-distributable reserves130/1 | - | - | - | €1,860 | €1,860 | €1,860 | - | - | - |
| Reserves not available under the articles1311 | - | - | - | €1,860 | €1,860 | €1,860 | - | - | - |
| Distributable reserves133 | - | - | - | - | €26,658 | - | €18,918 | €23,148 | ▲ 22.4% |
| Profit (loss) carried forward14 | €27,965 | €95,565 | €102,636 | €31,711 | - | -€74,832 | - | - | - |
| Amounts payable17/49 | €164,366 | €163,940 | €561,140 | €713,006 | €763,957 | €681,837 | €661,748 | €690,603 | ▲ 4.4% |
| Amounts payable after more than one year17 | €75,274 | €64,727 | €385,484 | €525,399 | €516,403 | €455,706 | €414,251 | €389,580 | ▼ 6.0% |
| Financial debts170/4 | - | - | - | €525,399 | €516,403 | €455,706 | €414,251 | €389,580 | ▼ 6.0% |
| Amounts payable within one year42/48 | €88,709 | €99,208 | €159,728 | €176,785 | €245,899 | €225,357 | €221,946 | €265,476 | ▲ 19.6% |
| Current portion of amounts payable after more than one year42 | - | - | - | €24,477 | €36,417 | €46,700 | €44,499 | €57,618 | ▲ 29.5% |
| Financial debts43 | - | - | - | €7,801 | €14,387 | €9,857 | €298 | €9,723 | ▲ 3,163% |
| Credit institutions430/8 | - | - | - | €7,801 | €14,387 | €9,857 | €298 | €9,723 | ▲ 3,163% |
| Trade debts44 | €25,774 | €23,396 | €55,358 | €66,556 | €52,409 | €36,501 | €44,779 | €59,707 | ▲ 33.3% |
| Suppliers440/4 | - | - | - | €66,556 | €52,409 | €36,501 | €44,779 | €59,707 | ▲ 33.3% |
| Taxes, remuneration and social security45 | - | - | - | €45,428 | €67,432 | €80,889 | €47,202 | €63,905 | ▲ 35.4% |
| Taxes450/3 | - | - | - | €14,686 | €31,549 | €30,485 | €18,581 | €24,057 | ▲ 29.5% |
| Remuneration and social security454/9 | - | - | - | €30,743 | €35,883 | €50,404 | €28,621 | €39,848 | ▲ 39.2% |
| Other amounts payable47/48 | - | - | - | €32,523 | €75,254 | €51,410 | €85,168 | €74,523 | ▼ 12.5% |
| Accrued charges and deferred income492/3 | - | - | - | €10,822 | €1,655 | €774 | €25,551 | €35,547 | ▲ 39.1% |
| Line | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €29,825 | €67,600 | €7,071 | -€70,925 | -€5,053 | -€101,490 | €91,890 | €4,230 | ▼ 95.4% |
| + Depreciation and write-downs630 | €31,007 | €4,465 | €60,670 | €31,137 | €38,936 | €38,511 | €37,531 | €46,301 | ▲ 23.4% |
| Operating cash flow (approximation) | €60,832 | €72,065 | €67,741 | -€39,787 | €33,883 | -€62,979 | €129,421 | €50,531 | ▼ 61.0% |
| Investment in fixed assets (approximation) | - | €7,784 | -€403,167 | -€136,029 | -€40,518 | €52,872 | -€5,480 | -€90,514 | ▼ 1,552% |
| Change in cash | - | €74 | €14,846 | €17,941 | -€31,705 | -€2,237 | €42,888 | -€42,984 | - |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Filings with the National Bank (8)
| Financial year | Type | Filed | Reference |
|---|---|---|---|
| 31-12-2025 | micro format | 18-07-2026 | 2026-00308607 |
| 31-12-2024 | micro format | 22-06-2025 | 2025-00161786 |
| 31-12-2023 | micro format | 02-07-2024 | 2024-00213665 |
| 31-12-2022 | micro format | 27-07-2023 | 2023-00288803 |
| 31-12-2021 | micro format | 17-06-2022 | 2022-20069590 |
| 31-12-2020 | micro format | 25-06-2021 | 2021-25300039 |
| 31-12-2019 | micro format | 24-06-2020 | 2020-20000061 |
| 31-12-2018 | micro format | 10-05-2019 | 2019-12800540 |
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Of the 4,609 active companies whose main activity is insurance agents and brokers (NACE 66220), figures are known for 3,209. 1,848 are within a factor 10 of this equity. These 5 are the closest to it. See the whole sector
Public contracts: No European public contracts awarded found since October 2016. Contracts below the EU thresholds are not in TED.